AUSA Accidental Death & Dismemberment - ausa

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Accidental Death and Dismemberment Insurance Plan

How prepared are you for an accident? Add up to $250,000* of Coverage

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Accidental Death and Dismemberment Insurance Plan (AD&D)

Accidents are the third leading cause of death in our nation1. But have you taken steps to prepare for when you may be in an accident?

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Overview

Stop to think about the cost of an accident — the physical and emotional pain as well as the financial impact. Your doctor and medical team could help heal your body and mind. But who helps you financially?

Today, take an important step to help protect yourself — with up to $250,000* in accident coverage with AUSA's Mastercare Accidental Death and Dismemberment Insurance Plan. This money can be used as your family sees fit … for education, day-to-day living expenses, medical bills, or final expenses resulting from a covered accident. CASH benefits to help your family through tough times.

You're covered from many types of accidents — auto accidents, falls, fires, drowning, head or back injuries. Consider this: Accidental injuries has become the third leading cause of death in the U.S.1. It can happen so easily. You lose your footing. Trip on a step.

Your AUSA accident insurance goes wherever you go. It will help protect you with up to $250,000 in coverage 24-hours-a-day, worldwide. Home — or covered work-related accidents. Accidents on vacations or in the privacy of your backyard. Plane or train crashes. Car or boat accidents.

Up to $250,000 paid in addition to your other insurance.

 

You simply can't have too much coverage when an accident happens. Loss of wages, medical, trauma center, and final expenses may add up in a hurry.

And AUSA benefits are affordable because you take advantage of AUSA's group rates. Spouse and dependent coverage may be elected at a percentage of the member's coverage amount.

 

Eligibility & Effective Date
As an AUSA member under age 70, you are not required to have a physical exam or answer any health questions. Your spouse under age 80 and not legally separated or divorced from You. Your unmarried dependent children under age 19 or under 25 if the child is in full-time attendance (at least 12 course credit hours per semester) at an accredited institution of learning, are also eligible for coverage at a percentage of your elected coverage amount. Coverage will become effective upon the first day of the month following receipt of your Enrollment Form and premium payment.

Eligibility Restrictions:
When Spouses are both Eligible Persons coverage may not be duplicated by applying as dependents of each other. Coverage for an Eligible Dependent Child may be requested by either the wife or the husband, but not both.

 

1 National Safety Council, Injury Facts 2018

*At age 70, or if you are already age 70, all coverage is reduced by 50% and will be further reduced by 50% at age 75. Coverage terminates at age 80.

 

 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Benefits

AUSA Mastercare Accidental Death and Dismemberment coverage pays up to $250,000* CASH benefits

… if you die or are injured in a covered accident. Collect benefits for car crashes, work and home accidents, drownings, falls, electrical accidents, boating mishaps and more. You're even covered as a passenger on a commercial airplane, train or bus.

 

You're covered anytime, anywhere!

You have coverage for covered accidents 24 hours a day … at home, at work, on vacation … on top of any other insurance you may already have for covered accidents.

 

ADDITIONAL Benefits for college!

Education is a valuable legacy for your family. That's why the AUSA Mastercare Plan provides education benefits for your spouse and children.

 

Spouse Education Benefit:

If you have family coverage, your spouse will collect up to an additional $4,000 at the time of your death, provided she/he is not employed full-time and will use the benefits as payment of tuition to any institution of higher learning or vocational training that could specifically qualify your spouse to gain employment in a new occupation. Spouse tuition expenses must be incurred within four (4) years of the date of your death.

 

Dependent Education Benefit:

Your covered dependent children are also eligible for up to $1,500 per year in education benefits. They must be enrolled at an accredited institution of higher learning within 365 days after the date of your death. This benefit is payable for a maximum of four years.

 

Accidental Death and Dismemberment Benefit:

If You or Your Dependents sustain an Injury that results in any of the following Losses within 365 days of the date of accident, We will pay the injured person’s amount of Principal Sum, or a portion of such Principal Sum, as shown opposite the Loss after We receive Proof of Loss, in accordance with the Proof of Loss provision.

Loss means with regard to: a) hands and feet, actual severance through or above wrist or ankle joints; b) sight, speech or hearing, entire and irrecoverable loss thereof; c) thumb and index finger,actual severance through or above the metacarpophalangeal joints; or d) movement, complete and irreversible paralysis of such limbs.

 

ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS FOR LOSS OF
Life The Principal Sum
Both Hands or Both Feet or Sight of Both Eyes The Principal Sum
One Hand and One Foot The Principal Sum
Speech and Hearing in Both Ears The Principal Sum
Either Hand or Foot and Sight of One Eye The Principal Sum
Movement of Both Upper and Lower Limbs (Quadriplegia) The Principal Sum
Movement of Both Lower Limbs (Paraplegia) Three-Quarters The Principal Sum
Movement of Three Limbs (Triplegia) Three-Quarters The Principal Sum
Movement of Both Upper and Lower Limbs of One Side of Body (Hemiplegia) One-Half The Principal Sum
Either Hand or Foot One-Half The Principal Sum
Sight of One Eye One-Half The Principal Sum
Speech or Hearing in Both Ears One-Half The Principal Sum
Movement of One Limbs (Uniplegia) One-Quarter The Principal Sum
Thumb and Index Finger of Either Hand One-Quarter The Principal Sum

*At age 70 all coverage is reduced by 50% and will be further reduced by 50% at age 75.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Monthly Premium Benefit Rates

Because this Accidental Death and Dismemberment Insurance Plan is extended ONLY to Members of the AUSA (and their families), we can offer this plan at competitive group rates.

 

AUSA Accidental Death and Dismemberment Insurance Rates:

COVERAGE OPTION & BENEFIT $250,000* $200,000* $150,000* $100,000* $50,000*
Member Only $13.75 $11.00 $8.25 $5.50 $2.75
Member & Family $19.37 $15.50 $11.62 $7.75 $3.87

 

Costs shown are based on monthly rate. Rates are not based on age. Rates and/or benefits may be changed on a class basis. For your convenience, after your initial payment, your monthly payment will be automatically deducted from your checking account.

 

Family coverage is a percentage of your coverage. See details below: 

FAMILY COVERAGE SPOUSE EACH CHILD
You with:** 0% 0%
Spouse Only 60% 0%
Spouse & Children 50% 10%
Children Only 0% 15%

 

*At age 70, or if you are already age 70, all coverage is reduced by 50% and will be further reduced by 50% at age 75.

**As determined on the date of accident.

 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Terms

Exclusions & Limitations:

Exclusions:
The Policy does not cover any loss caused or contributed to by:
1) intentionally self-inflicted Injury;
2) suicide or attempted suicide, whether sane or insane;
3) war or act of war, whether declared or not;
4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority except Reserve National Guard Service;
(We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces);
5) Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
6) Injury sustained while On any aircraft:
a) as a pilot, crewmember or student pilot;
b) as a flight instructor or examiner;
c) if it is owned, operated or leased by or on behalf of the Policyholder, or any Employer or
organization whose eligible persons are covered under The Policy;
d) being used for tests, experimental purposes, stunt flying, racing or endurance tests;
7) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician;
8) Injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
9) Injury sustained while committing or attempting to commit a felony; or
10) Injury sustained while driving while Intoxicated.
Intoxicated means:
1) the blood alcohol content;
2) the results of other means of testing blood alcohol level; or
3) the results of other means of testing other substances;
that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.
Reserve National Guard Service means: You or Your Dependents are:
1) attending or en route to or from any active duty training of less than sixty (60) days;
2) attending or en route to or from a service school of any duration;
3) taking part in any authorized inactive duty training; or
4) taking part as a unit member in a parade or exhibition authorized by official orders.

Injury means bodily injury resulting directly from accident and independently of all other causes, which occurs while you or your dependent are covered under the policy. Loss due to sickness or disease is not considered as resulting from injury, and is not covered under the policy.

Termination:
Coverage will end on the earliest to occur of:
1) the date The Policy terminates;
2) the Premium Due Date on or next following the date You:
a) cease to be an active member of the Policyholder;
b) attain the Policy Age Limit;
3) the date You are no longer in a class eligible for coverage, or the class is cancelled; or
4) the Premium Due Date that You fail to pay any required premium, subject to the Individual Grace Period.

Dependent Termination:
Coverage for Your Dependent ends on the earliest to occur of:
1) the date The Policy terminates; or
2) the Premium Due Date on or next following the date:
a) with respect to Your Dependent Child, he or she no longer meets the definition of Dependent Child;
b) with respect to Your Spouse, he or she no longer meets the definition of Spouse or attains the Policy Age Limit;
c) the required premium is not paid, subject to the Individual Grace Period provision; or
3) the date Your coverage ends.
However, if Dependent coverage would terminate because of Your death, coverage will continue until the Premium Due Date on or next following Your death unless continued in accordance with the Spouse Continuation provision.

 

This website explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-13268 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Approved by:
AUSA Insurance Plans
PO Box 9947, Phoenix, AZ 85068


Underwritten by:
Hartford Life and Accident Insurance Company
One Hartford Plaza, Hartford, Connecticut 06155

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.


Administered by:
A.G.I.A., Inc.
PO Box 9947, Phoenix, AZ 85068

A.G.I.A., Inc., is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. AGIA, Inc is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive.Their state of domicile is California. J. Christopher Burke California Agent license number is 0F70947. J. Christopher Burke Arkansas Agent License Number is 8876308.

BBB

 

 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Download, print and mail in your Enrollment Form today!

  1. Use the link below to download and print the form.
  2. Please complete all fields on the Enrollment Form.
  3. Mail in your form to the AUSA Insurance Plans at PO Box 9947, Phoenix, AZ 85068

 

Questions? Call AUSA's Customer Service and Claims Phone number at 1 (800) 882-5707.

Download Printable Enrollment Form

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

AD&D Sidebar Content

Enroll for up to $250,000 Accidental Death and Dismemberment Insurance Coverage

Your official Certificate of Insurance outlines the full terms and conditions of the AUSA Group Accidental Death and Dismemberment Insurance Plan. You don’t risk a penny today because you’re fully backed by our 100% Satisfaction Guarantee. Take up to 30 days to look it over. If it’s not what you had in mind, mail back the Certificate for a 100% refund; minus any claims paid.

This product may not be available in all states. 

 

Questions? Call AUSA's Customer Service and Claims Phone number at 1 (800) 882-5707.